Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
Hurry Up!
Save upto ₹75,000 on taxes in 80D. Buy a health insurance now!
View Plans

Cholamandalam Health Insurance Top-up & Super Top-up Plans

137 reviews Rate This
Cashless Approval TAT70 mins Cashless Claim Processing
Claim Settlement Ratio94%
Network Hospitals11,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsHigh Coverage
Starting Premium of Rs. 5 lakhs SIRs. 407/month

Health Insurance Calculator

Whom do you want the insurance for ?


Select the age of all members

  • You

Where do you live ?

Choose required Coverage for yourself?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members

Top-up & Super Top-up of Cholamandalam Health Insurance

A top-up plan is a health insurance policy that is added to an existing health insurance policy. A prime investment, a top-up plan can help you improve your coverage and manage your money in the case of a medical emergency.The best means to cover up extra costs incurred during a treatment, top-up plan is the ultimate savior that one may require to ensure financial stability. Unlike a regular health insurance plan, a top-up plan comes with a threshold limit, which is applicable to each hospitalisation. It comes across as the perfect back-up, which becomes active on the exhaustion of primary health insurance. All in all, top-up plans are the dependable solution one can rely on to get their needs met.
Talking about the super top-up plan, it ensures financial protection to policyholders from sky-rocketing hospitalisation costs and other medical facilities. Super top-up plan, just like top-up plan helps in maximising coverage. Super top-up plans, on the other hand, cover multiple hospitalisations and focus on the overall claim. In other words, a super top-up plan covers the total cost of all hospitalisation bills beyond the deductible or threshold limit.An excellent way to track health expenses in a planned manner, super top-up plans are a comprehensive and economical shield against the unexpected medical cost, which may be incurred beyond the limit of basic health policy.

1. Chola MS Top-up Healthline

Chola top-up Healthline is a popular top-up plan, which is suitable for both individuals as well as families. The plan comes into effect, when an existing policy runs out of breath. top-up Healthline is a widely sought after top-up plan that is known for handling high medical costs incurred during hospitalisation, with finesse. All in all, it is a top-up policy worth investing in.

Key Benefits of Top-Up Healthline

Top-up Healthline Policy by Cholamandalam MS is easily available on both, individual as well as family floater sum insured basis. Offered in the form of 7 plans with a wide range of sum insured/deductible combinations, the top-up plan covers relationships like self, spouse, and dependent children. While the sum insured range lies between Rs. 50,000 to Rs. 15 lakh, the series of key benefits includes:
  • Lifelong renewability
  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • Emergency ambulance charges incurred in India
  • Tax exemption as per Section 80D of the Income Tax Act, 1961, for up to Rs. 25,000
  • No pre-policy health check-up for entry up to age 55 years

Who Can Buy this Plan?

Anyone, whether a child or an adult, can purchase Chola top-up Healthline. The minimum age to join the plan is 3 months.Talking about the maximum entry age, it is 65 years.

Waiting Period Under the Plan

Under the Top-Up Healthline Policy, the waiting period for pre-existing diseases is 48 months. Except for hospitalisation due to accidents, there is a 30-day waiting period for any illness.

Renewability of the plan

Chola Top-Up Healthline is available with features of lifelong renewability.

Exclusions Under the Plan

Chola Top-Up Healthline policy does not cover the insured against the following:
  • Non-allopathic treatments
  • Dental treatment or surgery of any kind
  • Congenital illness/diseases/condition which are external
  • Cost of spectacles, contact lenses, hearing aids, walking aids, and others
  • Pre-hospitalisation and post-hospitalisation expenses and consequential loss regarding organ donor

2. Cholamandalam MS Super Top-up Insurance

Super top-up policy by Cholamandalam MS is an ideal super top-up plan. Chola Super top-up Insurance comes in two variant options, Premier plan and Supreme plan, that include a wide range of sum insured and deductible options to fulfill the various needs of policyholders.
An excellent choice to make, Chola Super Top-up Insurance covers you and your loved ones, without becoming a financial burden. The policy is an aggregate top-up plan that helps people cover their rising medical costs while maintaining financial security.

Key Benefits of Super Top-Up Insurance

Chola Super Top-up Insurance is a super top-up plan you can rely on without giving it a second thought. The super top-up policy, which provides additional coverage for a lower premium, is the best way to protect oneself from the financial burden of unexpected medical expenses. The super top-up plan, which is provided on an individual and floater sum insured basis, has a broad sum insured range range of Rs. 3 lakh to Rs. 25 lakh.The major benefits that the super top-up plan by Cholamandalam MS covers include:
  • Organ donor expenses
  • In-patient hospitalisation
  • Pre-hospitalisation and post-hospitalisation expenses
  • Expenses for organ donor for transplant
  • No medical check-up up to 55 years of age
  • Tax exemption under Section 80(D) of Income Tax Act

Who Can Buy this Plan?

Chola Super top-up Insurance is available for one and all. Note that while the minimum entry age for the super top-up is 3 months, the maximum entry age is 70 years.

Waiting Period Under the Plan

While the pre-existing disease waiting period is 36 months (Supreme plan) and 48 months (Premier plan) under Chola Super top-up insurance, the initial waiting period for all illnesses, except accidents, is 30 days.Moreover, the specific waiting period for 17 specific diseases is 12 months.

Renewability of the Plan

Chola Super top-up Insurance comes with the element of lifelong renewability.

Exclusions Under the Plan

Chola Super Top-up Insurance comes with the following exclusions:
  • Unproven/experimental treatment
  • Vaccination or inoculation and immunisations
  • Treatment of obesity or any other weight control program
  • Any physical, psychiatric or psychological examinations or testing
  • Congenital anomaly, illness, diseases, condition which are external

Key Features of Cholamandalam MS Critical Illness Insurance Policy

The critical insurance policy by Cholamandalam MS has many more features, such as:

  • Portability option
  • Cashless treatment
  • Lifelong renewability
  • Claim settlement support
  • No medical test up to 55 years

With Cholamandalam MS Critical Healthline Policy in hand, your family can handle the situations and live a good life. On the other hand, you can get the best treatment in the best hospital in your area without having to exhaust your savings.

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Cholamandalam Health Insurance Plan List

    Name of PlanSum Insured
    Flexi Supreme Check Premium
    Arogya Sanjeevani Policy Min: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
    COVID-19 PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
    Accident Protection PolicyMin: 6 months; Max: 69 years5 Lakh - 1 Crore Check Premium
    Flexi Health PolicyMin: 3 months; Max: 65 years1 Lakh - 25 Lakh Check Premium
    Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Check Premium
    Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Check Premium
    Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years1000/day Check Premium
    Critical Healthline PolicyMIn: 5 Years; Max: 65 Years3 Lakh Check Premium
    Healthline Policy Min: 90 Days; Max: 65 Years1 Lakh Check Premium

    Cholamandalam MS Health Insurance User Reviews

    Write your review
    What users are saying
    • All
    • Price
    • Helpful
    • Network Hospitals
    • Claim
    • Renew
    • Premium
    • Top up
    • Critical Illness
    • The Cholamandalam MS Health Insurance Policy from InsuranceDekho is an essential part of my plan for a healthy...

      Read More
      Cholamandalam MS
      By Jannya Pathak
      On: Sep 20, 2023
    • I bought the Cholamandalam MS Health Insurance Policy for myself from the InsuranceDekho website, I found it e...

      Read More
      Cholamandalam MS
      By Santosh Devrat
      On: Sep 04, 2023
    • The Cholamandalam MS Health Insurance Policy is a useful policy that I bought online at InsuranceDekho last we...

      Read More
      Cholamandalam MS
      By Neelam Kathuria
      On: Aug 16, 2023
    • The Cholamandalam MS Health Insurance Policy is an affordable policy that offers enhanced coverage. I bought t...

      Read More
      Cholamandalam MS
      By Neeraj Singhal
      On: Aug 08, 2023
    • I bought the Cholamandalam MS Health Insurance Policy from the website of InsuranceDekho. It was the best heal...

      Read More
      Cholamandalam MS
      By Shweta Nagar
      On: Jul 20, 2023
    Must BuyMust Buy

    Why to Buy Health Insurance Policy Online from InsuranceDekho

    • Tax benefit upto 75,000*
    • Claim support everyday 10AM-7PM
    • 50 Lacs+ happy customers

    Health Insurance News

    Cholamandalam Health Insurance Contact Details

    Reach us for help anytime

    Claim Process at Cholamandalam Health Insurance

    • Network Hospital
    • Non-Network Hospital
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
    • 3

      Claim Processing

      Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
    • 4

      Claim Settlement

      Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
    • 1

      Claim Assistance

      For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
    • 2

      Claim Intimation

      Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
    • 3

      Claim Processing

      Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
    • 4

      Claim Settlement

      Once your request for reimbursement of expenses is approved, the claim will be settled.

    Insurance Products by Cholamandalam MS General Insurance

    Best Insurance Advisors in Your City.

    Latest Health Insurance Articles